Will Car Insurance Cover Paint Damage?

June 21, 2024

The statistics are inexorable: on average, there are 6 million car accidents in the United States annually. But even if it ends well for everyone involved, the cars at least get slight damage.

While it’s well known that auto insurance policies cover severe damage, what do you do if the car gets away with only a few scratches or an inconspicuous dent?

Does car insurance cover scratches, dents, or paint damage? And what should you do if someone scratches your car while parked?

Read on to find out.

Does Comprehensive Insurance Cover Paint Damage?

Many drivers have found scratches on their cars at least once. Insurance companies compensate for this type of loss in the following situations:

Insurance caseDamage resulting from occurrences described in the contract: accident, vandalism, natural disaster, etc.
Additional insuranceAdditional insurance, such as comprehensive car insurance, can cover paint defects.
Special casesPaint damage may be covered if it was caused by a collision with another driver at fault, or your car got scratched in a parking lot by another car through no fault of your own.

The simplest way to protect yourself from paint damage is to get comprehensive car insurance. Taking out additional coverage, which includes clauses on compensation for such losses, can also be a good idea.

Does Car Insurance Cover Scratches and Dents?

Car insurance only covers scratches and dents caused by an unexpected event beyond your control. For example, if your car is hit by another vehicle or object.

Here’s when car insurance covers dents and scratches:

  • Collision coverage. Collision insurance will cover dents caused by hitting other objects or collisions with other vehicles.
  • Comprehensive insurance. Comprehensive insurance will cover non-collision damage: theft, vandalism, fire, natural disasters, and falling objects.

Does insurance cover parking lot dents?

Everything is clear in the case of accidents, but there is also a risk of getting scratched in the parking lot.

Whether insurance covers parking lot dents depends on how your vehicle is insured. If you want dents covered under your insurance policy, take out comprehensive or collision insurance.

Does car insurance cover cosmetic damage?

InsuranceCoverage
Collision CoverageDamage received as a result of colliding with another vehicle or object.
Compensation for damage to paintworkDamage to paintwork caused by vandalism, hail, falling tree branches, or fire.
Comprehensive coverageDamage caused by events beyond the car owner’s control and unrelated to the collision.

Does Insurance Cover Paint Jobs?

Damaging the paint on your car may seem like a small problem. Nothing is easier than delivering the car to the service center and entrusting it to experienced painters. This is true, but only partly.

Depending on the car’s model and the nature of the damage, the cost of repairing it can be very high. However, you can cut costs.

How To Get Insurance to Pay for a Paint Job

If you have completed the necessary painting work and paid all associated costs, you can file a claim for damages from your insurance company. However, whether it will compensate for material losses of this type depends on the extent of the damage and the type of car insurance you have:

  • If your car is insured for collision, and you are involved in an accident, your insurance policy will likely cover the cost of painting work
  • If the paint damage was caused by vandalism, natural disaster, fire, or other circumstances beyond the car owner’s control, comprehensive insurance will cover the cost of the paintwork
  • If the damage is minor and does not require a complete paint job, your insurance company may refuse to cover the repairs. Likewise, the insurance company will not reimburse the paintwork if the damage is caused by wear and tear.

To be on the safe side, make sure to discuss car paint insurance reimbursement with your insurance company before painting your car.

Does Car Insurance Cover Cosmetic Damage?

Cosmetic damage to your car is surface defects that do not damage the vehicle’s structure or interfere with its functioning. Examples of such damage are scratches and abrasions on the paint or small dents on the body.

Cosmetic damage may occur as a result of the following factors:

  • Adverse weather conditions: hail, hurricane, wind carrying solid particles, etc.
  • A slight collision with an object: a lamp post, a road sign, or a fence
  • Any objects falling on the car: tree branches, road surface stones, parts of buildings

Whether your insurance will cover damage depends on the type of insurance and whether the damage is caused by an insured event:

  • If cosmetic defects on your car are caused by a collision with another car or object, collision insurance will cover the damage
  • If your car’s body is damaged in a non-collision event, such as fire, theft, vandalism, etc., comprehensive insurance will cover the loss
  • If your car’s paint is damaged in a car accident, and you are not at fault, the other driver’s liability Insurance will cover the cost of cosmetic repairs

Choose Your Best Auto Insurance Provider with Cover Explore

Choosing the right car insurance can help you feel safe behind the wheel and avoid the financial consequences of road accidents. So why don’t you connect to your best auto insurance provider right now in just a few minutes?

Get your fast auto insurance quote as your first step toward a well-rounded insurance policy. For questions, call 888-432-7716 or contact us at contact@coverexplore.com.

Frequently Asked Questions

Will the insurance company paint the whole car?

If your car needs a complete repaint, it is so damaged that it can be considered irretrievably lost. In this case, you will be reimbursed for the entire vehicle according to your auto insurance type.

When will I be covered for paint damage?

You will get compensated for paint damage if the cause of the damage is covered by your insurance policy (the policy must cover paint damage in the first place).

Victoria Berezhetska

Victoria Berezhetska is a Content Lead at Phonexa.com and an expert contributor to CoverExplore. She has a Bachelor of Science degree in Business Administration, with extensive working experience as a PR specialist and content writer. At CoverExplore, she helps customers find the right educational material through easily digestible blog posts and buying guides backing their insurance coverage choice. Victoria covers diverse topics around digital and insurance marketing, including auto, home, health, and life insurance.

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